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Fair, intuitive and transparent pricing

How we work out your health insurance renewal premium

Fair, intuitive and transparent pricing

We have a unique approach to calculating your renewal premium, that we call ABC. This means we take the following into account when calculating your renewal premium:

A - your Age

B - the Base medical inflation rate

C - an adjustment for the Claims you have made and your Vitality status. This is the part of your renewal premium that you can control.

The increase in your renewal premium will be the sum of these three items: A+B+C.

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How Age affects your premium

As it is more likely you will need to claim as you get older, your premium will rise each year to take account of this.

How Base medical inflation affects your premium

Base medical inflation is what hospitals and other providers charge for their services, including the cost of advances in medical technology and drugs – affects premiums, too.

How Claims affect your premium

We look at the amount paid out in claims over the preceding plan year for everyone on your plan. If you only make a small claim, or no claims at all, you’ll receive a lower increase.

How Vitality status affects your premium

Regardless of whether you make a claim, increasing your Vitality status can reduce the increase to your premium.

With us, you earn Vitality points for doing healthy things, like having a yearly health check and tracking your daily activity – walking, running, cycling, swimming or going to the gym.

The more points you earn, the higher your Vitality status, the bigger the rewards and the lower your premium can be. Here’s how many points you need for each status when there is one adult on the plan:

Vitality points and status   

If there are two or more adults on the plan, you'll need to earn 1,200 Vitality points to reach Silver status, 2,400 Vitality points to reach Gold status and 3,600 Vitality points to reach Platinum status.

Frequently asked questions

Here are a few of the questions we’ve answered for our members

How much will my premium rise due to age?

Typically this will be around 3%, but can be higher or lower than this depending on your age. It will not be higher than 6%.

How much will the premium rise due to medical inflation?

Medical inflation tends to be higher than overall inflation, as measured by the Consumer Price Index (CPI). This is due to advances in medical treatment that mean more conditions can be treated than ever before. In the last few years, annual medical inflation has typically been between 6% and 9%. However, it could be higher or lower in the future, and can vary depending on where you live and your level of cover.

How are your renewal premiums unique?

We think our approach to renewal pricing is more fair, intuitive and transparent than the traditional no-claims discount as it means that you receive a lower increase if you only make a small claim, whilst still being rewarded for a healthy lifestyle.

Will I keep my no-claims discount if I switch to Vitality from another insurer?

You may still get an equivalent discount when you join us. You’ll need to send us your renewal quote and certificate of insurance. Then we’ll look at how many relevant claims you’ve made, and how long you’ve been insured.

When will you calculate my renewal premium?

We’ll work it out two months before your plan is due to renew. The Vitality status we use is the one you have at the end of your tenth month of cover in each plan year, which could be the status you’ve carried over from the previous plan year. In your first plan year, we’ll calculate the total amount we’ve paid in claims for you (and any insured dependants) during your first ten months of cover. In each plan year after that, we’ll calculate the total we’ve paid in claims for you (and any insured dependants) for the last two months of the previous plan year, as well as the first ten months of the current plan year.

Do all claims affect renewal premiums or are some excluded?

Claims paid under the following plan benefits won’t affect your renewal premium:

  • Primary Care Benefit, including consultations with a Vitality GP or private GP on our provider panel
  • Prescription charges or minor diagnostic tests ordered by a Vitality GP or private GP on our provider panel
  • NHS Hospital Cash Benefit
  • Childbirth Cash Benefit
  • Dental Cover (if you have this benefit)
  • Worldwide Travel Cover (if you have this benefit)

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